海尔消费金融 vs 魔借
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
海尔消费金融
This platform offers online credit loans with flexible repayment options and competitive annual interest rates. New users can enjoy special promotions, including potential interest-free periods and cash bonuses. It's a secure and transparent way to manage borrowing needs.
- Online credit loan application
- Loan amounts up to 200,000
- Repayment up to 36 months
- Annual interest rates from 7.92%
- New user promotions
- No collateral required
Read full descriptionHide full description
【产品介绍】 海尔消费金融旗下信用分期贷款平台，审批后额度最高20万，可分36期还款，年化利率（单利）3%-24%，按日计息！ 【产品特点】 够靠谱：海尔消费金融官方出品，正规持牌消费金融机构！ 够你花：最高20万贷款额度，循环额度随借随用！ 够便捷：全程APP申请，免抵押，使用身份证+银行卡等材料即可申请！ 够透明：年化利率（单利）3%-24%，按日计息 【温馨提示】 贷款额度、放款时间、通过率等以实际审批为准。 贷款有风险，借款需谨慎；请根据个人能力合理贷款,理性消费,避免逾期。 如有问题请根据请联系我们： 官方客服电话：952955(9:00-18:00，节假日无休) 官方微信：海尔消费金融 官方小程序：海尔消费金融够花 【公司介绍】 海尔消费金融有限公司（以下称“海尔消金”）成立于2014年12月26日。是经国家金融监督管理总局批准，由海尔集团公司作为主发起人设立的全国性消费金融公司，也是我国首家由产业发起设立的产融结合消费金融公司，行业首家国家级高新技术企业。公司致力于打造以“科技+风控”为根基，“场景+现金”双布局，以用户为中心的金融平台。全程在线注册审批，便捷透明，账单清晰，随时随地解决您的借款需求！
魔借
This platform connects users with lenders for small loans, offering a convenient online application process. It features a broad user base, data-driven approval, flexible loan amounts and terms, and multiple repayment options.
- Online loan application
- Lender matching service
- Data-driven approval process
- Loan amounts from 3,000 to 30,000
- Loan terms from 3 to 18 months
- Multiple repayment options
Read full descriptionHide full description
【产品介绍】 魔借是一款借款端撮合工具，在线申请，线上撮合，签约放款。 【产品优势】 操作便捷：覆盖人群广泛，足不出户即可申请。 大数据审批：拥有严格的风控团队，基于全方位大数据测评。 多种选择：额度3000-3万元，期限3-18个月。 还款便利：多种还款方式，支持按周、按月还款。 【联系我们】 官方微信：魔姐 Mojie_dianrong 客服热线：4006849188 (借贷有风险，勿过度借贷)
Screenshots
Verdict
The clearest difference is review sentiment: 海尔消费金融 at 88% against 魔借's 0%. 海尔消费金融 also leads on rating (4.0 vs 3.0) and ads (none vs shown). 魔借's advantage is iOS requirement (9.0 vs 11.0). On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
海尔消费金融 holds the better App Store score, 4.0 against 3.0. That said, the two scores are not equally well evidenced: 海尔消费金融 has 4.2K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 88% of 海尔消费金融's written reviews are positive against 0% of 魔借's.
海尔消费金融 ships an update every 3 weeks, 魔借 every 6 weeks. The most recent releases landed on September 24, 2026 and September 8, 2026 respectively.
| Parameter | 海尔消费金融 | 魔借 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) — better | 3.0 (4 ratings) |
| Positive reviews | 87.5% of reviews — better | 0.0% of reviews |
| Number of ratings | 4.2K — better | 4 |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 116 MB | 53 MB |
| Age rating | 17+ | 4+ |
| Developer | 海尔消费金融有限公司 | 德云晟小额贷款股份有限公司 |
Customer experience
海尔消费金融
魔借
In-app purchases
海尔消费金融
No in-app purchases
魔借
No in-app purchases
